The benefits of investing at Vanguard
Whether you're saving for college, retirement, or other goals, investing at Vanguard gives you access to varying levels of support. Choose from a wide range of investment products—such as mutual funds, ETFs (exchange-traded funds), stocks, and more—all for a low cost.
And we're here to support you on your investment journey by providing the tools you need to become a successful investor whether you invest on your own or choose one of our advice options. Investors who own our funds own Vanguard, which means no outside stakeholders to answer to. That's the Value of Ownership1.
It doesn’t matter how much income you have, it’s about choosing what you do with that income.”
Self-Directed or Advised
Determine your investing path—Self-directed or Advised. Our calculators and tools can help you discover resources for your investing goals and strengthen your financial strategy. Vanguard offers flexibility around your investing needs. Regardless of how you choose to invest, we're here to support you with the tools you'll need as well as insightful educational resources. Compare our advice options to see what works for you and learn which advice service has no advisory fees for the first 90 days2. As an investor at Vanguard, you'll have access to the following:
- Our product comparison tools can help you select the right funds for you, and help you determine when you are eligible for advice.
- Our investor resources and education content can help guide you along your investing journey.
- From our flexibility to our low costs and fees to our commitment to investor education and customer service, Vanguard offers investors a compelling value.
How we support your investment portfolio
From investing to financial planning, we can help you reach your financial goals.
Up to $50,000
Up to $500,000
Up to $1 million
Up to $5 million
$5 million +
Investors with up to $50,000
For a minimum of $3,000 in a Vanguard Brokerage Account, we'll monitor your investments and actively rebalance your portfolio as needed. Investors under $50,000 have access to a robo-advisor, our Vanguard Digital Advisor, which makes staying on track with your financial goals simple. Our robo-advisor provides investors with automated investing with ETF-based portfolios, guidance on saving for retirement with an annual advisory fee of approximately $15 per $10,000 invested. Compare our advice options to see what works for you3.
Investors with $50,000 up to $500,000
With a minimum investment of $50,000, investors have the option to be self-directed or advised with the option to become a Vanguard Personal Advisor client. Personal Advisor offers our advice technology platform with access to a human advisor. With an annual advisory fee of approximately $30 per $10,0003 invested, Vanguard Personal Advisor clients receive benefits that help you manage your assets as your portfolio grows, like access to ongoing portfolio oversight through Vanguard Personal Advisor® for a low fee.
Investors with $500,000 up to
$1 million
The option to remain a self-directed investor is always there, but if you choose to become a Personal Advisor Select client, for an annual advisory fee of no more than $30 per $10,0004, you have access to ongoing advice and portfolio oversight from a Certified Financial Planner™ (CFP®) professional.
Investors with $1 million up to $5 million
The choice to be self-directed is still an option, but as a Flagship client, you get personalized services reserved for our high-net-worth investors. You'll have exclusive resources, including Vanguard professionals who can help you meet your investment and wealth management needs. Offered through Vanguard Personal Advisor Select for a low fee, advisors are also available to help you navigate the complexities of wealth management in areas like trust services, tax strategies, financial advice, and philanthropy.
Investors with $5 million or more
Whether you choose to be self-directed or become a Personal Advisor Wealth Management client, we understand that your financial decisions are critical. At Vanguard, you can choose how much assistance you receive for a fee4. Whether it's guidance from your relationship manager, your financial advisor, or any member of your team of financial experts, you have access to support from some of the finest professionals in the industry.
Investors with up to $50,000
For a minimum of $3,000 in a Vanguard Brokerage Account, we'll monitor your investments and actively rebalance your portfolio as needed. Investors under $50,000 have access to a robo-advisor, our Vanguard Digital Advisor, which makes staying on track with your financial goals simple. Our robo-advisor provides investors with automated investing with ETF-based portfolios, guidance on saving for retirement with an annual advisory fee of approximately $15 per $10,000 invested. Compare our advice options to see what works for you3.
Investors with $50,000 up to $500,000
With a minimum investment of $50,000, investors have the option to be self-directed or advised with the option to become a Vanguard Personal Advisor client. Personal Advisor offers our advice technology platform with access to a human advisor. With an annual advisory fee of approximately $30 per $10,0003 invested, Vanguard Personal Advisor clients receive benefits that help you manage your assets as your portfolio grows, like access to ongoing portfolio oversight through Vanguard Personal Advisor® for a low fee.
Investors with $500,000 up to
$1 million
The option to remain a self-directed investor is always there, but if you choose to become a Personal Advisor Select client, for an annual advisory fee of no more than $30 per $10,0004, you have access to ongoing advice and portfolio oversight from a Certified Financial Planner™ (CFP®) professional.
Investors with $1 million up to $5 million
The choice to be self-directed is still an option, but as a Flagship client, you get personalized services reserved for our high-net-worth investors. You'll have exclusive resources, including Vanguard professionals who can help you meet your investment and wealth management needs. Offered through Vanguard Personal Advisor Select for a low fee, advisors are also available to help you navigate the complexities of wealth management in areas like trust services, tax strategies, financial advice, and philanthropy.
Investors with $5 million or more
Whether you choose to be self-directed or become a Personal Advisor Wealth Management client, we understand that your financial decisions are critical. At Vanguard, you can choose how much assistance you receive for a fee4. Whether it's guidance from your relationship manager, your financial advisor, or any member of your team of financial experts, you have access to support from some of the finest professionals in the industry.
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1Vanguard is owned by its funds, which are owned by Vanguard’s fund shareholder clients.
2The introductory waiver period for Vanguard Digital Advisor's net advisory fee begins when the first account's enrollment is complete and ends after the close of the first billing period (generally 90 days), which is specific to each client. If you enroll additional accounts at a later date, you can still take advantage of any remaining fee-waiver period. However, each additional account you enroll won't trigger a unique fee-waiver period but will instead be commingled with your first enrolled account. If you unenroll before your fee-waiver period ends, you won't owe an advisory fee. But if you choose to reenroll in Vanguard Digital Advisor during or after your fee-waiver period, you won't be eligible for a second fee waiver. This fee-waiver offer may be modified or discontinued anytime at the sole discretion of Vanguard Advisers, Inc. ("VAI"). Accounts in employer-sponsored retirement plans aren't eligible for this fee waiver.
3Vanguard Digital Advisor charges Vanguard Brokerage Accounts an annual gross advisory fee of 0.20% for its all-index investment options and 0.25% for an active/index mix. Vanguard Personal Advisor charges Vanguard Brokerage Accounts an annual gross advisory fee of 0.35% for its all-index investment options and 0.40% for an active/index mix. These services reduce those fees by the amount of revenue that Vanguard (or a Vanguard affiliate) retains from your portfolio in order to calculate your net advisory fee. Note that this fee doesn't include investment expense ratios—such as fees paid to the funds' third-party managers, which aren't credited. You should consult your plan fee disclosure notice for the applicable annual gross advisory fees that apply to your 401(k) account.
4Vanguard Personal Advisor Select and Vanguard Personal Advisor Wealth Management charge fees based on a tiered fee schedule (maximum 0.30%) calculated as an average advisory fee on all advised assets. Note that this fee doesn't include investment expense ratios.
All investing is subject to risk, including the possible loss of the money you invest.
Vanguard's advice services are provided by Vanguard Advisers, Inc. ("VAI"), a registered investment advisor, or by Vanguard National Trust Company ("VNTC"), a federally chartered, limited-purpose trust company.
The services provided to clients will vary based upon the service selected, including management, fees, eligibility, and access to an advisor. Find VAI's Form CRS and each program's advisory brochure here for an overview.
VAI and VNTC are subsidiaries of The Vanguard Group, Inc., and affiliates of Vanguard Marketing Corporation. Neither VAI, VNTC, nor its affiliates guarantee profits or protection from losses.
You must buy and sell Vanguard ETF Shares through Vanguard Brokerage Services (we offer them commission-free) or through another broker (which may charge commissions). See the Vanguard Brokerage Services commission and fee schedules for limits. Vanguard ETF Shares are not redeemable directly with the issuing fund other than in very large aggregations worth millions of dollars. ETFs are subject to market volatility. When buying or selling an ETF, you will pay or receive the current market price, which may be more or less than the net asset value.
For more information about Vanguard mutual funds or Vanguard ETFs, obtain a mutual fund or an ETF prospectus or, if available, a summary prospectus. Investment objectives, risks, charges, expenses, and other important information are contained in the prospectus; read and consider it carefully before investing.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP® and Certified Financial Planner™ in the U.S., which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.